lol, BMO THEY CLAIM TO BE FOR THE OTHER PERSON, FOR ME THEY CLAIM TO BE TD BANK,, im sure 437-992-9368 is not a Toronto number, not to mention the link they left in the text was like htt p glamorous...... to reset your bank account, lol, now if that does notsay scam i dont know what does, to top it off i dont even bank with the company, go f your selfs scammers